Skip Navigation

Existing Customer Residential Product Range



Existing Customer Residential Product Range


  • All product information correct as at 08/01/2018
  • Bank of England Base Rate (BBR) is currently 0.50%
  • Lending Fee £195 may apply (due on completion but payment can be deferred until mortgage is fully repaid)
  • If a product fee is due, it will need to be paid before completion


Standard Product Switch Range

Term Rate The Overall Cost for Comparison Product Fee Early Repayment Charge % of the sum repaid Code

Up to 75% LTV

2 Year 2.4% Fixed until 30/04/2020 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.1% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2B5
5 Year 2.9% Fixed until 30/04/2023 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 3.8% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2B6
 

Up to 75% LTV (for loan sizes of 250,000 and over)

2 Year 2.2% Fixed until 30/04/2020 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.1% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2A8
5 Year 2.7% Fixed until 30/04/2023 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 3.7% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2A9
 

Up to 85% LTV

2 Year 2.59% Fixed until 30/04/2020 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.1% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2B7
5 Year 3.59% Fixed until 30/04/2023 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.2% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2B8
 

Up to 90% LTV

2 Year 4.24% Fixed until 30/04/2020 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.6% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2B9
5 Year 4.59% Fixed until 30/04/2023 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.7% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2C2
 

All

2 Year 4.79% Fixed until 30/04/2020 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.7% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2C3
5 Year 4.99% Fixed until 30/04/2023 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.9% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2C4
Term 4.49% Standard Variable Rate which is Bank of England Base Rate plus 3.99% for the entire mortgage term 4.6% APRC £0 None WFG
 

Help to Buy Product Switch Range

Term Rate The Overall Cost for Comparison Product Fee Early Repayment Charge % of the sum repaid Code

Up to 75% LTV

2 Year 2.4% Fixed until 30/04/2020 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.1% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2C7
5 Year 2.9% Fixed until 30/04/2023 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 3.8% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2C8
 

Up to 75% LTV (for loan sizes of 250,000 and over)

2 Year 2.2% Fixed until 30/04/2020 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.1% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2C5
5 Year 2.7% Fixed until 30/04/2023 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 3.7% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2C6
 

Up to 85% LTV

2 Year 2.59% Fixed until 30/04/2020 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.1% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2C9
5 Year 3.59% Fixed until 30/04/2023 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.2% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2D2
 

Up to 90% LTV

2 Year 4.24% Fixed until 30/04/2020 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.6% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2D3
5 Year 4.59% Fixed until 30/04/2023 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.7% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2D4
 

All

2 Year 4.79% Fixed until 30/04/2020 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.7% APRC £0 3% until 30/04/2019 then 2% until 30/04/2020 2D5
5 Year 4.99% Fixed until 30/04/2023 then 4.49% variable which is Bank of England Base Rate plus 3.99% for the rest of the mortgage term 4.9% APRC £0 4% until 30/04/2020 then 3% until 30/04/2022 then 2% until 30/04/2023 2D6
 


Standard range representative example:

A mortgage of £149,996 payable over 22 years initially on a fixed rate for 2 years at 2.40% and then reverting to our tracker rate of 3.99% above Bank of England Base Rate for the remaining 20 years would require 24 monthly payments of £736 and 238 monthly payments of £885.

The total amount payable would be £228,494 made up of the loan amount plus interest (£78,303), product fee (£0), valuation fee (£0), funds transfer fee (£0), legal fee (£0) and lending fee (£195).

The overall cost for comparison is 4.2% APRC representative.

 


Help to Buy range representative example:

A mortgage of £149,996 payable over 22 years initially on a fixed rate for 2 years at 2.40% and then reverting to our tracker rate of 3.99% above Bank of England Base Rate for the remaining 20 years would require 24 monthly payments of £736 and 238 monthly payments of £885.

The total amount payable would be £228,509 made up of the loan amount plus interest (£78,303), product fee (£0), valuation fee (£0), funds transfer fee (£15) , legal fee (£0) and lending fee (£195).

The overall cost for comparison is 4.2% APRC representative.

 
 

If you're unsure of which mortgage product to select and you'd like us to assess the suitability of our mortgage products against your needs and circumstances, then please call us on 0345 603 1936* for further details.